GENERAL ELEC. BUSINESS FINAN. SERVS. v. Silverman , 693 F. Supp. 2d 796 ( 2010 )


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  • 693 F. Supp. 2d 796 (2010)

    GENERAL ELECTRIC BUSINESS FINANCIAL SERVICES, INC., f/k/a Merrill Lynch Business Financial Services, Inc., Plaintiff,
    v.
    Donald L. SILVERMAN, Eric W. Brauss, and Today Realty Advisors, Inc., Defendants.

    No. 09 C 0364.

    United States District Court, N.D. Illinois, Eastern Division.

    February 10, 2010.

    *797 Dawn Marie Canty, Heather J. Kuhn O'Toole, Timothy J. Patenode, Katten Muchin Rosenman LLP, Chicago, IL, for Plaintiff.

    Cassandra M. Crane, Much Shelist Denenberg Ament and Rubenstein PC, Chicago, IL, Shawn M. Staples, Steven P. *798 Blonder Much Shelist Denenberg Ament & Rubenstein, PC, Chicago, IL, for Defendants.

    MEMORANDUM OPINION AND ORDER

    ROBERT W. GETTLEMAN, District Judge.

    Plaintiff, General Electric Business Financial Services, Inc. ("GEBFS"), formerly known as Merrill Lynch Business Financial Services, Inc. ("Merrill Lynch"), has sued defendants Donald L. Silverman, Eric W. Brauss, and Today Realty Advisors, Inc. ("TRA"), seeking to enforce each defendant's personal guaranty of a defaulted promissory note. Count I of the amended complaint is a claim for breach of limited joinder against defendants Silverman and Brauss. Count II is a claim for breach of guaranty against all defendants. Plaintiff has filed a motion for summary judgment and a motion to strike defendants' affirmative defenses. For the reasons explained below, plaintiff's motion for summary judgment is granted, and the motion to strike the affirmative defenses is deemed moot.

    FACTS[1]

    In May 2007, Margaux Warren Park Partners, Ltd. ("Warren Park"), entered into a loan agreement with plaintiff under which plaintiff made a $34,800,000 first mortgage loan (the "Loan") to Warren Park for the acquisition of 91.65 acres of land in Frisco, Texas (the "Property"). On May 25, 2007, Warren Park executed a Tranche A promissory note in the amount of $26,700,000 and a Tranche B promissory note in the amount of $8,100,000 (jointly the "Note"). Contemporaneous with the execution of the Note, each defendant executed a "Guaranty" under which each "absolutely, unconditionally and irrevocably guaranteed" the full payment of the principal and interest of the Note when due and the full and prompt payment of all sums that may be come due under the Note, Loan Agreement, and other loan documents, subject to a maximum liability of $17,400,000 plus 100% of accrued interest and fees. In addition, defendants Silverman and Brauss executed a "Limited Joinder" which guaranteed full and complete repayment of the Loan under certain conditions, including the filing for bankruptcy by Warren Park. Under Section 7 of the Guaranty, defendants also agreed to full and prompt payment of any attorney's fees, costs, and expenses incurred in connection with the enforcement of the Guaranty and other Loan documents.

    Warren Park defaulted under the Loan Agreement for two separate reasons: (1) it failed to make a required payment of $2,500,000.00 to plaintiff; and (2) it failed to sell no less than ten acres of the Property. Plaintiff provided notice of the default to defendants and Warren Park on June 5, 2008. As a result of the default, plaintiff accelerated all sums due under the Loan documents and the Note. Notice of the acceleration and demand for payment was sent to Warren Park and defendants on September 3, 2008. To date, no payment on this demand has been made.

    On December 16, 2008, Warren Park filed for Chapter 11 protection in the United States Bankruptcy Court for the Eastern District of Texas ("the Bankruptcy Court"). Plaintiff filed the instant action on January 20, 2009, seeking to collect on the personal guaranties. After the instant action was filed Warren Park and defendants Silverman and Brauss filed an adversary action in the Bankruptcy Court against plaintiff alleging twelve claims, including *799 fraud, extortion, theft, and economic duress. On December 15, 2009, the Bankruptcy Court issued a memorandum opinion and order granting GEBFS's motion to dismiss Warren Park's first amended complaint.

    DISCUSSION

    I. Legal Standard and Applicable Law

    Plaintiff has filed its motion for summary judgment under Fed.R.Civ.P. 56. Summary judgment is appropriate if the evidence demonstrates that there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law. Fed.R.Civ.P. 56(c); Celotex Corp. v. Catrett, 477 U.S. 317, 322, 106 S. Ct. 2548, 91 L. Ed. 2d 265 (1986); Vision Church v. Village of Long Grove, 468 F.3d 975, 988 (7th Cir.2006). The burden is on the moving party to identify portions of the pleadings, answers to interrogatories, and affidavits that demonstrate an absence of material fact. See Celotex, 477 U.S. at 323, 106 S. Ct. 2548 (1986). The burden then shifts to the nonmoving party to "set forth specific facts showing that there is a genuine issue for trial." Fed.R.Civ.P. 56(c). When reviewing a summary judgment motion, the court must read the facts in the light most favorable to the non-moving party. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 255, 106 S. Ct. 2505, 91 L. Ed. 2d 202 (1986). The court's role "is not to evaluate the weight of the evidence or to determine the truth of the matter, but instead to determine whether there is a genuine issue of triable fact." Doe v. R.R. Donnelley & Sons Co., 42 F.3d 439, 443 (7th Cir.1994).

    II. Plaintiff's Claims

    Plaintiff has moved for summary judgment on both Counts I and II, arguing that there is no issue of material fact to preclude a finding that defendants have breached their obligations under both the Limited Joinder and Guaranty of the Loan Agreement. In response, defendants acknowledge that Warren Park defaulted on the Loan Agreement, but assert affirmative defenses denying liability.

    Count I, for breach of limited joinder, is a breach of contract claim. Under Illinois law, to state a claim for breach of contract plaintiff must allege: 1) the existence of a valid contract with defendants; 2) defendants' breach of that contract; 3) plaintiff's performance under the contract; and 4) damages to plaintiff resulting from such breach. Van Der Molen v. Wash. Mut. Fin., Inc., 359 Ill.App.3d 813, 823, 296 Ill. Dec. 206, 835 N.E.2d 61 (Ill.App.Ct. 1st Dist.2005).[2]

    Count II, for breach of guaranty, is equally straightforward. To establish a prima facie case for enforcement of a guaranty under Illinois law, plaintiff must "`enter[ ] proof of the original indebtedness, the debtor's default, and the guarantee.'" S.P. Richards Co. v. Business Supply Corp., 2008 WL 4181729, at *3 (N.D.Ill. Sept. 5, 2008)(quoting Mid-City Indus. Supply Co. v. Horwitz, 476 N.E.2d 1271, 1277, 132 Ill.App.3d 476, 87 Ill. Dec. 279 (Ill.App.Ct. 1st Dist.1985)).

    Plaintiff has offered evidence demonstrating all of the elements for both claims, which defendants do not contest.[3] Instead, *800 defendants assert four affirmative defenses that they claim preclude enforcement of the Guaranty: (1) fraud in the inducement; (2) duress; (3) equitable estoppel; and (4) unclean hands. Plaintiff counters that defendants have not and cannot set forth specific facts supporting their affirmative defenses showing that there are genuine issues of material fact requiring trial. Specifically, plaintiff argues that defendants have waived their right to assert each affirmative defense, that the Illinois Credit Agreement Act ("ICAA") defeats defendants' affirmative defenses, and that each affirmative defense fails as a matter of law. In addition, plaintiff argues that defendants are collaterally estopped from pursuing their affirmative defenses because the Bankruptcy Court recently resolved the issues raised in the defenses by dismissing claims filed by Warren Park and defendants Silverman and Brauss in their adversary action. As discussed below, the court agrees that defendants' affirmative defenses do not defeat plaintiff's right to enforce the guarantees against them.

    III. Plaintiff's Waiver Argument

    Plaintiff argues that defendants waived the right to assert each of their affirmative defenses because both the Limited Joinder and Guaranty are "absolute, continuing and unconditional" in their terms and include explicit waivers of all rights and defenses.

    The Limited Joinder specifically states:

    To the fullest extent permitted by applicable law, each Principal[4] waives all rights and defenses of sureties, guarantors,. . . and agrees that its obligations under this Joinder shall be direct, primary, absolute and unconditional and that its obligations under this Joinder shall be unaffected by any of such rights or defenses, including . . .
    (g) Any acts or omissions of Lender which vary, increase or decrease the risk on any Principal.

    Similarly, the Guaranty provides that "Guarantor absolutely, unconditionally and irrevocably guarantees" full and prompt payment and performance of the Borrower's obligations and any Enforcement costs, that the Guarantor will pay the Indebtedness in the event of any default "regardless of any defense, right of set-off or claims which the Borrower or Guarantor may have against Lender," and that the Guaranty is "an absolute, present and continuing guaranty of payment."

    Defendants counter that the broad, boilerplate waiver language in the Limited Joinder and Guaranty should not be enforced because their affirmative defenses are based on fraud and other violations of trust and intentional wrongdoing, and enforcement of the waiver would violate public policy.

    Under Illinois law, a guaranty is regarded as "a legally enforceable contract that must be construed in accordance according to its terms, so long as they are clear and unambiguous." F.D.I.C. v. Rayman, 117 F.3d 994, 998 (7th Cir.1997). This remains the case even where a guaranty contains broad statements of guarantor liability, including waivers of all defenses. Chemical Bank v. Paul, 244 Ill.App.3d 772, 781, 185 Ill. Dec. 302, 614 N.E.2d 436 (Ill.App.Ct. 1st Dist.1993). The exception to this rule is that every contract, absent express language to the contrary, has an implied covenant of good faith and fair dealing. Id. Thus, courts should take into *801 account public policy concerns in determining the effect and extent of such waivers.

    In the instant case, the waiver provisions are broad, defendants' affirmative defenses in part are based on bad faith, and the waivers do not contain express language disavowing the implied covenant of good faith and fair dealing. Nonetheless, the court need not address the public policy concerns that arise with respect to each of defendants' affirmative defenses because, as discussed below, those defenses fail to withstand Rule 12(b)(6) scrutiny. See Finova Capital Corp. v. Slyman, 2002 WL 318294 (N.D.Ill. Feb. 21, 2002).

    IV. Plaintiff's Merits Arguments

    An affirmative defense "rais[es] new facts and arguments that, if true, will defeat the plaintiff's or prosecution's claim, even if all allegations in the complaint are true." JPMorgan Chase Bank, N.A. v. Mal Corp., 2009 WL 804049, at *1 (N.D.Ill. Mar. 26, 2009). Affirmative defenses are subject to the pleading requirements of the Federal Rules of Civil Procedure and must set forth a "short and plain statement" of all the material elements of the defense asserted; bare legal conclusions are not sufficient. See Heller Financial, Inc. v. Midwhey Powder Co. Inc., 883 F.2d 1286, 1294 (7th Cir.1989); Fed.R.Civ.P. 8(a); Renalds v. S.R.G. Restaurant Group, 119 F. Supp. 2d 800, 802 (N.D.Ill.2000).

    The essence of defendants' affirmative defenses is that just hours before the closing on the sale of the Property, plaintiff notified defendants of significant changes to the terms of the Loan Agreement.[5] The new terms required Warren Park, by the first anniversary date of the Loan, to either: (a) make a $2,500,000 payment on the Loan; or (b) have sold at least 10 acres of the 91.65 acres acquired in the deal at $10.80 per square foot and have certain entitlements from the City of Frisco. Defendants allege that they were pressured to enter into the Loan Agreement with the additional, onerous terms because they had already signed a purchase agreement for the Property with a $250,000 non-refundable down payment and would have lost $800,000 in fees and expenses if the Loan did not close. Defendants fail to explain, however, why they neglected to include a contingency clause in these agreements that could have avoided some or all of the consequences of a failure of the Loan to close.

    In addition, defendants claim that William Ballent, an employee of Merrill Lynch, told representatives at TRA that so long as they were working diligently on the project and reasonably prompt progress was being made, plaintiff would make necessary modifications, extensions, and accommodations as needed for completion of the project. According to defendants, *802 plaintiff never made good on these assurances.

    In May 2008, in anticipation of the one year anniversary of the Loan Agreement, Warren Park was attempting to sell part of the Property in accordance with the terms of the Loan. It had a potential buyer, but had not acquired the necessary entitlements from the City of Frisco. Warren Park approached plaintiff for an extension of time to make the sale, but plaintiff refused to extend or alter the Loan, and required Warren Park to enter into a forbearance agreement for $250,000. Within a couple of months, Warren Park had a second offer on the Property, but was still without the necessary entitlements from the City. In mid-July 2008, Warren Park sought another extension of time from plaintiff to make the necessary sale, and a representative of plaintiff took the request under consideration. On July 18, 2008, plaintiff notified Warren Park that it would not extend or alter the Loan and that it would begin foreclosure proceedings immediately if Warren Park did not agree to make additional payments, accelerate the maturity date of the Loan, and cease drawing funds on Loan.

    A. The Illinois Credit Agreement Act

    Plaintiff correctly summarizes defendants' allegations as making two basic claims: "(1) [Plaintiff] allegedly misrepresented the terms of the Loan thereby inducing Defendants to enter into the Loan Agreement, Limited Joinder and Guaranty; and (2) [plaintiff] allegedly misrepresented its intention to modify or extend the Loan or apply fees to the balance for the Loan inducing Defendants to pay a $250,000 forbearance fee." Plaintiff argues that these allegations, which provide the foundation for each of defendants' affirmative defenses, even if taken as true, are barred by the Illinois Credit Agreement Act ("ICAA"), 815 ILCS 160/2, 3, which bars all actions or defenses by a debtor based on or related to an oral credit agreement. First National Bank v. McBride Chevrolet, Inc., 267 Ill.App.3d 367 at 367, 642 N.E.2d 138, 204 Ill. Dec. 676 (Ill.App.Ct. 4th Dist.1994).

    The ICAA has been described by the Seventh Circuit as a "strong form" of the Statute of Frauds because, unlike the usual Statute of Frauds, it requires that the agreement be signed by both parties. See Resolution Trust Corp. v. Thompson, 989 F.2d 942, 944 (7th Cir.1993). Sections 2 and 3 of the ICAA, 815 ILCS 160/2, provide:

    § 2. Credit Agreements to be in writing. A debtor may not maintain an action on or in any way related to a credit agreement unless the agreement or commitment to lend money or extend credit or delay or forebear repayment of money sets forth the relevant terms and conditions, and assigned by the creditor and the debtor.
    § 3. Actions not considered agreements. The following actions do not give rise to a claim, counterclaim, or defense by a debtor that a new credit agreement is created, unless the agreement satisfies the requirements of Section 2:
    * * * *
    (3) the agreement by a creditor to modify or amend an existing credit agreement or to otherwise take certain actions, such as entering into a new credit agreement, forbearing from exercising remedies in connection with an existing credit agreement, or rescheduling or extending installments due under an existing credit agreement.

    The ICAA defines a credit agreement as "an agreement or commitment by a creditor to lend money or extend credit or delay or forebear repayment of money not primarily for personal, family or household purposes, and not in connection *803 with the issuance of credit cards." 815 ILCS 160/1(1). The Illinois courts regard a guaranty agreement, when set forth as a "condition precedent" to a loan, as part of the "comprehensive credit agreement" between the parties and therefore governed by they ICAA. Bank One, Springfield v. Roscetti, 309 Ill.App.3d 1048, 723 N.E.2d 755, 763, 243 Ill. Dec. 452 (Ill.App.Ct. 4th Dist.1999). Applying this principle to the instant case, it is clear from the language of the Guaranty and Limited Joinder that they were a condition precedent to the Loan. The Limited Joinder begins with the language, "[I] order to induce Lender to make the Loan . . ." and the Guaranty includes similar language further in the body of that agreement. Defendants do not dispute that the agreements are "credit agreements" under this definition. Therefore, the court finds that pursuant to the ICAA the Guaranty and the Limited Joinder are part of the "credit agreement" between the parties.

    Defendants argue that the ICAA does not apply to bar their affirmative defenses of fraudulent inducement and economic duress because defendants seek to invalidate, rather than modify, the underlying contract. Further, defendants argue that their defense of unclean hands simply seeks to prevent plaintiff from benefitting from its own wrongdoing.[6] These arguments are specious at best.

    There is nothing in the ICAA or the corresponding case law that suggests that defenses seeking nullification of a contract are somehow treated differently than defenses seeking modification of the an agreement. The bottom line here is that under the ICAA, courts have "uniformly barred the claims and defenses of debtors which have relied on the existence of oral credit agreements." Westinghouse Elec. Corp. v. McLean, 938 F. Supp. 487, 490 (N.D.Ill.1996) (discussing cases applying the ICAA). As explained in Whirlpool Financial Corp. v. Sevaux, 96 F.3d 216, 226 (7th Cir.1996):

    Illinois courts have interpreted [§ 2 of the ICAA] to proscribe all actions which depend for their existence upon an oral credit agreement. Indeed there is no limitation as to the type of actions by a debtor which are barred by the Act, so long as the action is in any way related to a credit agreement.

    Traditional exceptions to the Illinois Statute of Frauds Act may not be raised to defend against actions within the scope of the ICAA. Id. "Under this interpretation, all claims on or in any way related to an oral credit agreement—whether sounding in contract or in tort—are barred by the Act." Id. at 225. This is true even where the resulting consequences may seem harsh. See Westinghouse, 938 F.Supp. at 489 ("Illinois courts have concluded that they must apply the [ICAA] even in the face of harsh consequences."). Because the alleged oral promises that plaintiff made to defendants contradict the terms of the Guaranty and Limited Joinder, the ICAA bars those of defendants' affirmative defenses that rely on these allegations. Therefore, defendants' affirmative defenses of fraudulent inducement and equitable estoppel, which defendants concede are reliant on plaintiff's oral promises, are barred.

    B. Defendants' Remaining Affirmative Defenses

    Defendants' remaining affirmative defenses fail on the merits.

    *804 1. Economic Duress

    Defendants argue that their affirmative defense of economic duress defeats plaintiff's motion for summary judgment because it raises a material issue of fact. Specifically, defendants assert that plaintiff changed the terms of the loan agreement just hours before the guaranty was to be signed and after defendants had already signed the land sale purchase agreement and made a non-refundable deposit.

    Economic duress is a condition where one is induced to make a contract by a wrongful act or threat of an another under circumstances that deprive one of the exercise of one's free will. Hurd v. Wildman, Harrold, Allen & Dixon, 303 Ill.App.3d 84, 91, 707 N.E.2d 609, 236 Ill. Dec. 482 (1st.App.Ct. 1st Dist.1999); Costello v. Haller, 638 F. Supp. 2d 885, 893 (N.D.Ill.2007). To establish duress, defendants must demonstrate "inducement by a wrongful act or threat of another to execute an agreement under circumstances depriving him of the exercise of free will in order to invalidate an agreement on the basis of duress." Id. The acts or threats complained of must be wrongful in either the legal or moral sense, but "the defense cannot be predicated upon a demand that is lawful or upon doing or threatening to that which a party has a legal right to do." Id. Further, "where consent to an agreement is secured merely because of hard bargaining positions or financial pressures, duress does not exist." Id.

    In the instant case, defendants have not alleged that plaintiff threatened defendants or in any way acted outside of its legal rights. Changing the terms of the loan agreement with notice to the parties before the agreements were signed, even on short notice, falls well within plaintiff's rights. Although defendants might have felt financial pressure to sign in order to complete the land sale and prevent associated losses, there are no allegations to substantiate a claim that plaintiff deprived defendants of the free will to refuse to accept the new loan terms, or contemplate an alternative course of action.

    Acknowledging these standards, defendants cite Havoco of America, Ltd. v. Sumitomo Corp. of America, 971 F.2d 1332 (7th Cir.1992), for the proposition that under Illinois law economic duress may be raised as a defense when "the conduct of the party obtaining the advantage is shown to be tainted with some degree of fraud or wrongdoing . . . ." Because the court has rejected the defenses of fraud and misrepresentation, the doctrine on which defendants rely to support their claim of duress does not apply. Consequently, defendants' economic duress affirmative does not raise a genuine issue of material fact sufficient to defeat plaintiff's motion for summary judgment.

    2. Unclean Hands

    Under Illinois law, the unclean hands doctrine prevents a party from obtaining equitable relief if he himself has engaged in misconduct. Thomson Learning, Inc. v. Olympia Props., LLC, 365 Ill.App.3d 621, 634, 302 Ill. Dec. 877, 850 N.E.2d 314 (Ill.App.Ct. 2d Dist.2006). The doctrine does not affect legal rights. Citadel Group Ltd. v. Wash. Reg'l Med. Ctr., 2009 WL 1329217 (N.D.Ill. May 13, 2009). Because plaintiff's claims are for breach of contract and breach of guaranty, seeking damages at law and not equity, defendants' affirmative defense of unclean hands does not withstand federal pleading standards, and thus cannot defeat plaintiff's motion for summary judgment.

    V. Collateral Estoppel

    Finally, the issues underlying defendants' affirmative defenses have already been fully briefed and considered by *805 the Texas Bankruptcy Court in its dismissal with prejudice of the action brought by Warren Park and defendants Silverman and Brauss in the adversary proceeding.[7] The Bankruptcy Court's final judgment regarding defendants' claims in that action has collateral estoppel effect in the instant case and bars litigation of these same issues in this court. See Meyer v. Rigdon, 36 F.3d 1375, 1378 n. 1 (7th Cir.1994).

    CONCLUSION

    For the reasons set forth above, plaintiff's motion for summary judgment on Counts I and II is granted, and plaintiff's motion to strike defendants' affirmative defenses is deemed moot.[8] Plaintiff is directed to present a draft final judgment order computing interest to February 18, 2010, for presentation to the court on February 18, 2010, at 9:15 a.m.

    NOTES

    [1] Unless noted otherwise, the following facts, taken from plaintiff's L.R. 56.1 statement and exhibits attached thereto, are not in dispute.

    [2] The parties are in agreement that Illinois law is the applicable law in the instant case. Moreover, the Loan Agreement, Limited Joinder, and Guaranty each provide that the substantive law of Illinois governs the parties' agreements.

    [3] Defendants do not dispute that defendants Silverman and Brauss had a valid and enforceable contract with plaintiff, that they breached this contract, that plaintiff performed under the contract, or that plaintiff suffered damages as a result of their breach. Nor do defendants dispute that Warren Park is indebted to plaintiff as evidenced by the Loan Agreement, that Warren Park defaulted on the debt, and that defendants entered into the Guaranty.

    [4] The "Principals" here are defendants Silverman and Brauss.

    [5] The factual background of defendants' affirmative defenses are laid out in their response to plaintiff's L.R. 56.1 statement and in their statement of additional material facts. L.R. 56.1(b) states that a party opposing summary judgment shall file "a statement, consisting of short numbered paragraphs, of any additional facts that require the denial of summary judgment, including references to the affidavits, parts of the record, and other supporting materials relied upon." Although defendants admit all of the facts essential to plaintiff's claims, their statement of additional facts include numerous lengthy paragraphs containing some relevant facts, but more often legal conclusions and facts wholly immaterial to the instant dispute. Plaintiff, recognizing the numerous problems with defendants' additional facts, provided responses only to those facts that it found to be material and properly stated. The consequence of both parties' tactics leaves court with little choice but to treat as admitted all facts that are not denied and disregard those facts that are immaterial or stated as legal conclusions.

    [6] Notably, defendants make no ICAA related argument as to their defense of equitable estoppel.

    [7] Margaux Warren Park Partners, Ltd. v. GE Bus. Fin. Servs. (In re Margaux Warren Park Partners, Ltd.), 2009 WL 5061806 (Bankr. E.D.Tex. Dec. 15, 2009).

    [8] Because this matter has been resolved on alternative grounds, plaintiff's collateral estoppel argument need not be discussed.

Document Info

Docket Number: 09 C 0364

Citation Numbers: 693 F. Supp. 2d 796

Judges: Robert W. Gettleman

Filed Date: 2/10/2010

Precedential Status: Precedential

Modified Date: 3/3/2016

Authorities (19)

vision-church-united-methodist-and-northern-illinois-conference-of-united , 468 F.3d 975 ( 2006 )

Havoco of America, Ltd., a Delaware Corporation, Cross-... , 971 F.2d 1332 ( 1992 )

Whirlpool Financial Corporation, a Delaware Corporation v. ... , 96 F.3d 216 ( 1996 )

Federal Deposit Insurance Corporation v. Steven M. Rayman , 117 F.3d 994 ( 1997 )

Resolution Trust Corporation v. Douglas B. Thompson , 989 F.2d 942 ( 1993 )

66 Fair empl.prac.cas. (Bna) 981, 65 Empl. Prac. Dec. P 43,... , 42 F.3d 439 ( 1994 )

Van Der Molen v. Washington Mutual Finance, Inc. , 359 Ill. App. 3d 813 ( 2005 )

Thomson Learning v. Olympia Properties, LLC , 365 Ill. App. 3d 621 ( 2006 )

Chemical Bank v. Paul , 244 Ill. App. 3d 772 ( 1993 )

Mid-City Industrial Supply Co. v. Horwitz , 132 Ill. App. 3d 476 ( 1985 )

FIRST NAT. BANK IN STAUNTON v. McBride Chevrolet, Inc. , 267 Ill. App. 3d 367 ( 1994 )

Hurd v. Wildman, Harrold, Allen and Dixon , 303 Ill. App. 3d 84 ( 1999 )

arthur-meyer-through-his-estate-dorothy-watson-harold-nees-george , 36 F.3d 1375 ( 1994 )

heller-financial-inc-a-delaware-corporation-v-midwhey-powder-co-inc , 883 F.2d 1286 ( 1989 )

Bank One, Springfield v. Roscetti , 309 Ill. App. 3d 1048 ( 1999 )

Anderson v. Liberty Lobby, Inc. , 106 S. Ct. 2505 ( 1986 )

Celotex Corp. v. Catrett, Administratrix of the Estate of ... , 106 S. Ct. 2548 ( 1986 )

Costello v. Haller , 638 F. Supp. 2d 885 ( 2007 )

Renalds v. S.R.G. Restaurant Group , 119 F. Supp. 2d 800 ( 2000 )

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